"Ak Libhala" (ibhange): Izibuyekezo ikhasimende

Bank - sikhungo, ngaphandle okuyinto kunzima ukucabanga ngokuphila kwethu. Sekuyisikhathi eside Ezinye izikhungo zezimali kwaba ngokuqinile iwine amakhasimende ayo, abanye akuzona ngakho eyaziwa kahle baseRussia empeleni esasisesisha, kodwa kakade wakwazi azibonakalise. in nje isikhathi wokugcina noqinisile "Ak Libhala" (ibhange). Izibuyekezo Customer aveze ukuthi inkampani inikeza izimo esihle kakhulu isithakazelo futhi umnikelo, kuyinto onokwethenjelwa futhi ethembisa isikhungo sezezimali.

Mayelana Bank "Ak Libhala"

Ngo-1993, "AK Libhala" waqala umsebenzi wayo emakethe yezimali wezwe lakithi. Bank (libuyekeza abanye abantu ukhombe umsebenzi abasebenzi ezingasebenzi) has zonke amalayisensi adingekayo ukuqhuba imisebenzi yezimali kanye inikeza engaphezu kwekhulu amasevisi ukuze amabhizinisi nabantu ngabanye.

Kuze kube manje, amakhasimende lenkampani babe ababalelwa ezigidini ezintathu ngabanye kanye nezinkampani ezingaphezu kuka-67 eziyinkulungwane. IBhange has a enhlokodolobha charter ruble 38 bhiliyoni. isimo siqu lenhlangano ngo-2016 zaba ruble 58 bhiliyoni.

Ngo-2016 e-Republic of Tatarstan, kwakunoFakazi abacishe babe ngu-8 amagatsha asebhange, 21 legatsha wavula emadolobheni amakhulu Russia. Kusekhona ezinye amagatsha 196 31 10 Cash namahhovisi yezimali nokusebenza. Kukhona legatsha osizayo JSC NSCA "Narat", esemgwaqweni e Saratov.

Kuyinto ngaphansi kwesivikelo Government of the Republic of iTatarstan "Ak Libhala" (ibhange). Ilayisensi lenhlangano inikezwe akukaze yakhiqizwa, okubangela amakhasimende bakwethembe futhi basiza ekuqhubekiseleni phambili Ububanzi bemisebenzi yayo.

Ihhovisi ikhanda lenhlangano itholakala edolobheni ezifana Kazan. "Ak inkantini" - ibhange (izibuyekezo uthi izicelo ukucutshungulwa okusheshayo loan), okuyinto yeRiphabhuliki yaseTatarstan kuyinto isikhundla zinesisindo futhi eyaziwa ezingaphezu kuka eRussia. Kukholakala kukhona inombolo eyodwa yasebhange.

Kusengenzeka emadolobheni amaningi amakhulu Russia Bank "Ak Libhala". Petersburg (libuyekeza abanye abantu bethi amakhono singenele phakathi abasebenzi) neminye imizi emikhulu, ekhona ezweni insimu yayo ngoba eziningana lamagatsha alo.

Amasevisi Abantu

It unikeza abantu anhlobonhlobo "Ak Libhala" imikhiqizo ebhange. Bank (izibuyekezo uthi ijubane ukukhishwa wonke amadokhumenti kunesidingo) ikuvumela ukuba wenze elithi imali, funa imali, kanye akhawunti yamanje ukuze uthumele imali futhi ukudluliswa amaholo. Izinga ku ezifakwa ifinyelela 10%.

Ungakwazi ukuhlela i-mortgage inzuzo ngosizo "Ak Libhala" (ibhange). Mortgage (izibuyekezo ukusho ukuthi isikhungo sezezimali eyenza umuntu abe nenjongo ukubolekisa ku ezimvunayo) kanye nokuthenga izindlu ngomumo, futhi ukuthengwa efulethini indlu elalisanda kwakhiwa. Ukuze amaklayenti eMoscow Saint Petersburg nenani lesikweletu kuhluka ayizinkulungwane 300. Ruble ruble 8.000.000. Umkhawulo loan esiyiminyaka 30 nge rate of afinyelela ku-17% ibanikeze "Ak Libhala" (ibhange). Mortgage (libuyekeza abanye abantu bethi slow oda Umqhubi lokukhokha, emigqeni emide emagatsheni) ku yinkampani yezezimali ungaba nezindlela eziningi ezahlukene.

Ngaphezu la masevisi, abantu bangase athathe loans:

• isibambiso;
• mortgage;
• yezimoto;
• emapulazini yangasese.

Ngaphezu kwalokho, ibhange inikeza lasebhange, credit, amakhadi esikhokhelwa virtual, inkonzo ezikhumulweni, ATM. Okuningi isikhungo sezezimali uqhuba imali Ukudluliselwa, amasevisi Brokerage kanye namanye amasevisi, okuhlanganisa:

• Tinsita nezinye izinkokhelo;
• exchange of amayunithi emali;
• isitoreji iseli;
• amatshe ayigugu;
• kwamatayitela;
• Mail-e.

Izimali imali okudayisa kwamukelekile ngempela nokuheha eziningi amakhasimende ebhange.

Ibhizinisi Imikhiqizo

Ukuze izinhlangano ezingokomthetho inikeza ukwenza izinkonzo eziningi-imali zokuhlala imisebenzi, "Ak Libhala". Bank (libuyekeza abanye abantu bathi lokhu akulona esemthethweni Wenyusa loan ngaphandle umshwalense) inikeza ayeyiboleke amabhizinisi amancane, medium and enkulu. Ezimweni eziningi, inani lenzalo kunqunywa ngamunye.

Ibhange futhi inikeza:

• imali yokwakha ezihlukahlukene;
• ukhiqiza amakhadi epulasitiki abasebenzi ezizimele;
• izokunikeza yomthengisi yokuzuza;
• ukubeka izindlela ezibonakalayo;
• ukuhlinzeka on-line amasevisi;
• uqhuba umsebenzi kwezomnotho angaphandle.

Ukuze amaklayenti ngamunye, inhlangano yezimali ifuna ukwelashwa okukhethekile, abazenzi ngokuqinile zonke izibopho zayo ngaphansi izinkontileka futhi ahlele ezihlukahlukene izenzakalo, sibonga ngalo singaphetha ngokuthi into imali eningi kakhulu ngenxa yebhizinisi.

Izikhungo izikhungo zezimali

Enye intuthuko ethembisayo kuyinto ukusebenza yisikhungo sezinhlangano eziphambili zezezimali nganoma "Ak Libhala" (ibhange). Izibuyekezo Customer aveze ukuthi inkampani uyashesha ukuphendula noma yisiphi isicelo, futhi uma wenza isivumelwano kudinga inombolo okungenani imibhalo.

Amaklayenti Corporate inhlangano inikeza:

• ne-akhawunti;
• inter-yasebhange abolekise;
• ukuguqulwa zokukhwabanisa kanye eminye imisebenzi imibhalo;
• ukuhweba ngezimali.

Ngaphezu kwalokho, "AK Libhala" usizo amaklayenti amabhange ukuqhuba exchange angaphandle imisebenzi, ekusebentiseni Inombolo yezenzo nge izinsimbi eziyigugu, ibambisene izinkampani zomshuwalense.

Finance House "AK inkantini Umuntu"

"AK inkantini Umuntu" amasevisi ekhethekile nelungelo ezimele amakhasimende kuphrojekthi. Lapha njalo amaklayenti e-ekusithekeni eqinile nokududuza, nokuqunga isibindi anda ingakwazi okukhethekile olunikezwa "Ak Libhala". Bank (izibuyekezo zamakhasimende aveze ukuthi izikhungo zezimali zivame ukuba nezinkinga lobuchwepheshe, okuyinto kudala ezinye ngokuphazamisa amakhasimende) ukunikela lapha ukwenza premium iminikelo, okungase aseMelika, ruble Russian kanye euro. Okuncane idiphozi esiyizinsuku ezingu 62, maximal of - izinsuku 744, onesibalo ngoba ruble akhawunti - 9.6%, i-dollar - 2% euro - 1.2%.

Ngaphezu imali, ungahlela ukuthola ibhonasi credits ephephile idiphozi amabhokisi, amasevisi ukuphathwa cash, ukuthenga izinsimbi eziyigugu.

Iphakheji okukhethekile kuyinto "umuntu", ehlanganisa imikhiqizo efana:

• izimo ezikahle ukukhipha nasenkonzweni amakhadi premium;
• Impikiswano amakhadi ezengeziwe;
• exchange at isaphulelo ngenani ekhethekile;
• overdraft kwi-akhawunti yekhadi;
• ukudluliselwa impahla ekhadini;
• Izikhangibavakashi Insurance.

Ngaphezu kwalokho, "AK inkantini Umuntu" izipesheli ezuziwe ne umshwalense utshalomali, ukutshalwa kwezimali, kuhlanganise:

• mutual funds (mutual funds);
• ukuphathwa kwempahla;
• inkonzo utshalomali.

e "Persona" Uhlelo lezi kanye nezinye izinsiza ezikhona kwi ezimvunayo ukusuka esikhungweni yasebhange ngesikhathi isingeniso.

ISITHASISELO "AK inkantini Online"

amakhasimende amaningi bakuthola kuwusizo isicelo inthanethi enikeza inhlangano yezezimali "Ak Libhala". Bank (ikhasimende impendulo iminikelo yokubambezeleka endabeni yokukhokha izinzuzo wabeka) unikeza amakhasimende ayo ithuba ukwenza ezihlukahlukene kwemali imodi online, ke:

• ukufinyelela kuma-akhawunti;
• nenze ukudluliselwa emkhatsini akhawunti akho kanye namakhadi, kanye namakhadi wesikweletu zabanye abantu;
• evulekile imali / akhawunti;
• akhokhe Umbuso izikweletu, internet, i-TV, iselula,
• abuyisele ukubolekisa;
• Ukukhiya noma uvule amakhadi;
• ukwenza avtoplatezhi;
• kute kwakhiwe esiza abantulayo;
• uhlobo lwemali.

Ukusizakala la masevisi, kufanele ufake isayithi "AK inkantini Online» uhlelo. Ifomu lokubhalisa Kufanele ufake inombolo yekhadi, khetha Izinketho bese ufaka ikhodi yokuqinisekisa esimisweni.

Le sevisi ingasetshenziswa nganoma isiphi ATM ongoweGceke "Ak Libhala".

Kulinganiswe ngo isikhungo sezezimali

Bank "Ak Libhala" (loan Izibuyekezo aveze ukuthi isikhungo sezezimali kabusha izikweletu, okuyinto amakhasimende esidumazayo kakhulu wabanjwa nasezimweni ezinzima kwansuku akusho) usebenza ngaphansi kohlelo olubizwa ngokuthi yi-Government of the Republic of iTatarstan.

Agency Fitch Izilinganiso alinikeze ebhange isilinganiso «BB-». Lokhu kuhlola uchaza isilinganiso zokucabangela futhi kubonisa amathuba credit izingozi. Yesikhathi eside Isibikezelo yizinkomba zezomnotho kule nkampani zithathwa njengeziNdawo ezingamaGugu ezimbi. Naphezu kwakho konke lokhu, inkampani egunyazwe ukuba aqhube imisebenzi agcwele zezimali.

Le nhlangano "Rus-Isilinganiselwa" ngoMeyi 2016, alinikeze inhlangano yezimali ezingeni lelisetulu creditworthiness kuqhathaniswa nezinye issuers yezwe. isilinganiso inkampani International uMoody Zimali Isevisi ukulinganisela isikhungo sezezimali ukusebenza ezingeni "B2", okusho ukuthi zokucabangela izibopho izikweletu futhi kungenzeka credit izingozi. Lokhu kubhekisela nokuntengantenga kwezezimali lenhlangano udinga usizo futhi liyisuse ngaphandle.

Isilinganiso isilinganiso umkhiphi kunesithembiso ezingeni 'BB-', okhombisa ukuthembeka yasebhange kanye creditworthiness wezimali. Ngaphezu kwalokho, iBhange njalo ekuthuthukiseni umsebenzi wayo, okuholela ngcono yokusebenza ukusebenza. Ithuthukisa izinga izimpahla futhi kukhulisa inani ukuthengiselana kwezamabhizinisi.

Ngokusho isilinganiso Wabantu, amaphuzu isilinganiso yasebhange 1.95 aphume ngamaphuzu amahlanu. Isibalo esingaphezulu kwengxenye nabaphikisi aneliseke isevisi kanye nezinga amasevisi anikezwa.

iwebhusayithi esemthethweni

I website esemthethweni ye-amakhasimende ebhange ekusizeni ukuqonda imikhiqizo etholakala kubo. Ungenza ukudluliswa kusuka ekhadini ekhadini futhi senze isikhwama mobile, kanye ukuthola lapho ibhange igatsha eliseduze, ATM noma self-service esibulalayo.

Isayithi zibekwe zonke amaphepha adingekayo mayelana nenkampani, imibiko egcwele kuwo wonke ezindaweni yomsebenzi, ulwazi bamasheya. platform Electronic wethula amakhasimende izindaba yenkampani, ukuphila kwakhe. It likuchaza ngokuningiliziwe Ububanzi bemisebenzi balo abangamaphini nalo lonke ezintsha.

isikhungo lwezezimali kunesithembiso eziningi ukwabelana, okuyothi singaphetha ukuthengiselana inzuzo yezezimali, isibonelo, isenzo "AK Bars Trust" elikuvumela ukukhipha ukubolekisa auto ngesikweletu noma aboleke imali kumthengi ezimvunayo kwikhasimende.

Ngokuqondile indawo, ungakwazi oda ithikithi ukuphendukela kunoma iluphi uhlangothi. Lolu hlelo luhlinzeka ongakhetha indiza eziningana, phakathi lapho ungakhetha ezifanele kunazo.

Ingosi ethile ye-elekthronikhi usebenza yokubala imali, mortgage abolekise kanye loans auto, okuyinto ekahle kakhulu. Ngemva kokuhlala ekhaya bangazuza podchitat enikezela ngokubambisana neNhlangano ebhange. Ngaphezu kwalokho, isicelo sesikweletu noma ukuvula i-akhawunti, ungakwazi ushiye masinya, ku-intanethi.

Isayithi ikuvumela ukuba lokuhlola izinga kwamakhasimende, ukunikeza impendulo noma ucele onguchwepheshe ukuxhumana. Lapha ungabona amagatsha ebhange kanye ifoni nganoma isiphi isikhathi ukubuza umbuzo mayelana multi-channel ngocingo consultant, abasebenza ubusuku nemini.

Imigomo navigation kuyinto elula futhi okulula ukuyiqonda, lapho ungakwazi ukuqonda yimuphi umfundi. Yonke imininingwane enikeziwe kuze kube yimanje, iphinde ikusize amaklayenti ukwenza isinqumo esifanele.

Umsebenzi, isisebenzi Izibuyekezo

Umsebenzi "Ak Libhala" ebhange (phawula okwashiwo mayelana umqashi ehhovisi ethokomele kanye nabasebenzi enhle friendly) kunikeza amathuba abantu ekukhuleni umsebenzi. Lapha ungakwazi athole usizo olukhulu lomsebenzi kwelinye lamabhange ngobukhulu kuleli zwe. Abasebenzi baqeqeshiwe futhi njalo ukufakazela amakhono abo. IBhangengodla liphokophela ukudala idumela elihle, futhi ngenxa yalokho uyakwazisa abasebenzi izimfanelo ezifana:

• bomsebenzi;
• umsebenzi onzima;
• umthwalo;
• nokuvuleka;
• abathakazelelwayo.

Kule ngosi, ukuthi noma ubani angabona izikhala emzini futhi ugcwalise ifomu lesicelo. It uhlose ukwakha ithimba onokwethenjelwa ochwepheshe zangempela ku isikhungo sezezimali, "Ak Libhala" (ibhange).

Impendulo evela abasebenzi lesikhungo ezahlukene kakhulu. Abanye abantu bayajabula umsebenzi. Kuthiwa ihhovisi kuba lula kuwe, izisebenzi friendly, baye bakufanelekela ukuqeqeshwa kutfotjelwa Code Labour.

Negative Izibuyekezo abasebenzi bathi amaholo aphansi, izinhlelo okusezingeni eliphezulu ukunweba ikhredithi, njalo ukwehluleka lobuchwepheshe, ngenxa ezithinta ukuba asale ngemva komsebenzi futhi uqedele isicelo. Laba bantu bathi lokushiya kwabasebenzi, ukucutshungulwa ngaphandle kwenkokhelo, shiya ukubambezeleka.

Izibuyekezo kwekhasimende

It has a lot of imibono engqubuzanayo kakhulu ngabo, "Ak Libhala" (ibhange). Iminikelo (ukubuyekezwa, njalo uhlelo izingozi, intanethi, ngoba lokho kufanele ahambe, wangena ehhovisi lapho ukwenza kwemali) ziyazuzisa, kodwa njengoba amakhasimende akhombise ebhange, design yabo ishiya esiningi. Ukubuyekezwa okuningi omuhle ukhulume inkonzo fast and kwabasebenzi abaqeqeshiwe, izimo ezinhle credit, ukusebenza zonke izikweletu yasebhange kumakhasimende.

Izibuyekezo ezingezinhle abonisa inkonzo abampofu, enyinyekile namahhovisi, ukwehluleka njalo lobuchwepheshe, ngenxa okuyinto ibhange kuyadingeka ukubhekana izikhathi ezimbalwa. Laba bantu bathi ngokuvamile ibhange enqaba likhokhele ngezizathu ezingenziwanga uzwakalise. Ziwumthwalo umshwalense, ngisho lapho ayidingeki, futhi ngaphandle kwalo enqaba ukubhalisa kuthengiselana. Ngezinye izikhathi, ngomzuzu wokugcina, ibhange abolekise rate izinguquko, ngaphandle kwesaziso ikhasimende, futhi abantu kufanele ulinde izinsuku ezimbalwa ukuze aphinde athole imvume loan. Nokuthathelwa kuthatha cishe inyanga, ngokungafani nezinye amabhange, lapho ukuqaliswa ukuthengiselana okunjalo kuthatha amasonto ambalwa.

Akukhona ukuthi imicabango yabantu engemihle mayelana umsebenzi ebhange okuningi kuka omuhle, kodwa idumela lakhe futhi isidingo imikhiqizo yasebhange.